ATHLLC6651199626

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00:01:34.640 | Hello, and welcome to another episode of All The Hacks, a show about upgrading

00:01:41.760 | your life, money, and travel.

00:01:43.560 | I'm Chris Hutchins, and I am so excited you're here today for our first live

00:01:47.520 | episode.

00:01:48.080 | Now you're probably not hearing it live right now, but it was recorded live on

00:01:51.800 | Monday with a bunch of All The Hacks listeners joining in.

00:01:54.960 | And I wanted to do that because this is a really special episode.

00:01:57.960 | Last Sunday marked the one-year mark from when I started the podcast.

00:02:01.680 | So this is a big celebration for me.

00:02:03.960 | And first off, I am so appreciative of everyone who has supported me along the

00:02:09.560 | way, made this possible, written in questions, feedback, hacks, all the guests

00:02:15.000 | out there who've been on the show.

00:02:16.840 | A tremendous thank you to everyone for everything you've done to support me and

00:02:21.920 | the show.

00:02:22.600 | I am so excited to be doing it more and more.

00:02:26.000 | I want to just share some of the exciting stats from the last year.

00:02:30.920 | I went into this thinking, "Okay, let's do four or five episodes, see what

00:02:35.120 | happens."

00:02:35.720 | And it's been 55 episodes.

00:02:38.120 | For anyone that is doing the math, that is not 52.

00:02:41.160 | I did a few experiments throughout the past year where I'd post a small episode

00:02:44.960 | on a Thursday or on a Monday.

00:02:46.600 | So that's the few extras.

00:02:48.240 | The show has gotten over one and a half million downloads, which is about one and

00:02:52.160 | a half million more downloads rounded off than I anticipated getting started because

00:02:55.960 | I didn't know where this would go.

00:02:57.440 | A couple of stats that I'm most excited about, I've had over 100 people have

00:03:02.120 | emailed in sharing stories of getting upgraded or going on a free trip that they

00:03:06.520 | otherwise wouldn't have.

00:03:07.720 | And this took a little time, but I went and looked at all the emails I've gotten

00:03:11.800 | of people that have gotten signup bonuses or signed up for new cards.

00:03:15.520 | And by my calculation, there have been at least 20 million points earned.

00:03:19.720 | I hope that it's a lot more than that because I'm sure some people aren't

00:03:22.600 | writing in.

00:03:23.160 | I'm excited for all the trips everyone's going to be taking and everything people

00:03:27.240 | can do.

00:03:27.760 | And I don't have a metric for how much money we've saved collectively as a

00:03:31.280 | group, but I'm just going to make up a number and say it's in the millions of

00:03:34.480 | dollars as well.

00:03:35.360 | A few check-ins for me, when I reflect over the past year, I thought about trying

00:03:40.680 | to summarize everything I've learned, but I feel like that would just literally be

00:03:44.840 | impossible because every episode, I'm learning so many things and actually

00:03:50.480 | putting them to use.

00:03:51.440 | But I will say that thanks to the episode I did with Marshall Allen, number 34, I

00:03:56.480 | have so far gotten most of my medical bills from having to go to the ER twice

00:04:01.960 | reduced to nothing.

00:04:03.160 | So that's been great.

00:04:04.840 | I think I still have one out there that I'm trying to figure out, but I'm still

00:04:08.800 | optimistic that that will come down.

00:04:10.920 | So I'm very appreciative of that and actually want to give a quick shout out

00:04:15.200 | to a listener.

00:04:16.040 | Prema emailed me just in time last night to say that she's been fighting bills

00:04:21.320 | with all the tactics from episode 34.

00:04:23.840 | And she was more successful than I was in that got the entire thousand dollars of

00:04:28.760 | medical bills reduced to a $20 copay.

00:04:31.640 | So hearing stories like that are amazing.

00:04:34.240 | I just got another one from Paul, who's a listener who took advantage of this

00:04:38.800 | upgrade program we launched recently, where if you're looking to book a five

00:04:42.840 | star hotel, we've got a network of thousands of hotels that we can help get

00:04:46.640 | upgrades at and free breakfast.

00:04:48.440 | And he said that on his trip to Southern California, he and his wife were the most

00:04:52.600 | relaxed they've been in over 10 years, which I think it was their first trip

00:04:55.880 | without children.

00:04:56.560 | So I can't say that we're responsible for that as much as being able to take a trip

00:05:00.280 | without their kids, but it really makes me so happy to hear any of these stories and

00:05:05.240 | all of them about people being able to put some of these tactics, some of these

00:05:09.360 | lessons into good use and really, really enjoy life even more than they could have

00:05:14.200 | otherwise.

00:05:14.800 | I also want to touch on a couple things before we jump in to questions.

00:05:19.160 | There are a few things that I'm thinking about for the upcoming year that I just

00:05:22.880 | want to share.

00:05:23.560 | I've gotten so many people reaching out, asking questions, wanting to understand

00:05:29.840 | how other people are doing different things in the community.

00:05:33.080 | And so I'm going to commit that this year, I'm going to try to launch -- not even

00:05:37.280 | try -- I'm going to launch a community for everyone, listeners, subscribers to the

00:05:41.720 | newsletter, etc.

00:05:43.960 | And I'm trying to find the best platform and way to do it.

00:05:47.720 | That means something where people can ask questions, people can interact with

00:05:51.960 | others, people can share the best deals they have.

00:05:54.440 | A lot of the hacks I share are hacks that people have sent me.

00:05:57.840 | So I want a place for all those things to live.

00:06:01.200 | And this might not be as soon, but I really want to make becoming a part of

00:06:06.280 | the community beneficial for everyone.

00:06:08.400 | So trying to negotiate and secure deals that are exclusive to the community,

00:06:13.000 | offers, things like that are all things that I'm trying to think about with all

00:06:17.320 | the hacks for year two of the existence.

00:06:19.800 | I've spent a lot of time thinking in the past year about the podcast and the

00:06:24.080 | newsletter and how to bring those together so that people can get value from both,

00:06:28.440 | but they're not necessarily completely distinct.

00:06:31.120 | And I'm going to keep doing that.

00:06:32.480 | And hopefully people can get a lot from both those channels going forward.

00:06:37.160 | Finally, another big thing.

00:06:39.520 | I don't yet have a second baby.

00:06:41.440 | Maybe by the time this airs, I will, who knows.

00:06:43.640 | But at least during this live stream, I don't.

00:06:45.640 | But bear with me for the next month because when baby two comes at any point

00:06:51.000 | in time, I don't know what that means.

00:06:53.040 | Maybe an episode doesn't get out on time.

00:06:55.040 | Maybe a newsletter doesn't get out on time.

00:06:56.840 | But I really want to make sure that I'm there and can prioritize that moment.

00:07:00.280 | If I go radio silent for a week or two, that's why.

00:07:02.800 | And then none of this would have been possible.

00:07:05.920 | I wouldn't have the time and the energy to do all of this without the

00:07:09.960 | support of a lot of people that also need to be mentioned.

00:07:13.320 | Mauricio, Eric and his team at UpFire have helped with production and editing.

00:07:18.480 | There's been a handful of people that have helped put together notes and

00:07:21.960 | ideas for some of the newsletters.

00:07:23.960 | There's also a whole bunch of people helping with interviews.

00:07:26.640 | Nancy's been helping.

00:07:27.640 | Jenna Savage is helping.

00:07:28.920 | There's a bunch of people have written in to offer to help and I appreciate that.

00:07:32.200 | The kinds of things, if you're interested in supporting the show in the future,

00:07:38.120 | that are the most are little simple things like sharing it with someone.

00:07:41.920 | That is literally the most meaningful thing anyone can do because my goal is to

00:07:46.600 | grow the show and create something bigger.

00:07:49.480 | The bigger the community is, the more I can try to secure better partnerships,

00:07:53.120 | better deals, better discounts for everyone in the community.

00:07:55.880 | So helping me grow and share the show is the biggest thing you could do to help out.

00:07:59.840 | And then a big thank you to all the sponsors we have on the show.

00:08:04.360 | I don't think this would be possible without them.

00:08:06.640 | I spend a lot of time looking at sponsors and vetting them because I don't want to

00:08:11.320 | have just anyone backing the show.

00:08:13.200 | I want products I care about.

00:08:14.560 | So a huge shout out to everyone that's done that.

00:08:17.640 | We actually have a few of them who are going to be doing some giveaways as part

00:08:21.840 | of this, so I'll just mention it on the outset and then I'll explain a little

00:08:25.800 | more details at the end.

00:08:27.000 | But Viori, which I'm literally wearing a Viori shirt and Viori pants right now,

00:08:31.880 | is going to be giving away a $100 gift card as part of this celebration.

00:08:35.200 | Emmanuel from Card Pointers, who's I know in the live stream right now.

00:08:38.680 | It's a fantastic app.

00:08:40.520 | We're going to talk about that.

00:08:41.880 | He's going to give away a free lifetime membership.

00:08:44.840 | And then I figured why not?

00:08:47.000 | I give back.

00:08:47.680 | I'm going to just take 10,000 Capital One points and just transfer them to someone.

00:08:51.720 | So I'm giving away some Capital One points.

00:08:54.520 | Unfortunately, Capital One, if you're listening, I would much rather you give

00:08:57.880 | them away.

00:08:58.520 | But since you're not interested, or at least I'm not aware, I'll give them away

00:09:02.440 | myself.

00:09:02.960 | So that's going to happen at the end.

00:09:05.400 | I'll give all the details of how that's happening.

00:09:07.360 | But to all the other sponsors that have made this possible, thank you so much.

00:09:11.360 | I want to jump in.

00:09:13.200 | I got a few questions by email, so I'm going to start with those.

00:09:17.840 | But hopefully everyone's here because they have things they want to know.

00:09:21.080 | So first question, I got a couple emails about this over the years.

00:09:25.320 | So Colin wrote a question in a few days ago asking about how to maximize points

00:09:29.680 | trying to buy a house.

00:09:32.160 | And this is a kind of question where I don't have a good answer for you.

00:09:35.880 | I have bought a house a few times and in none of them was I able to maximize

00:09:40.720 | points.

00:09:41.160 | I am not aware of a single way that buying a home can help you earn points,

00:09:45.520 | which is a bummer because it's a massive purchase other than using services that

00:09:49.920 | charge fees.

00:09:50.640 | So that's not a rewarding answer.

00:09:52.600 | There have in the past been banks that offer really big sign up bonuses to get a

00:09:57.440 | mortgage.

00:09:57.840 | So they'll say, "Get your mortgage with us and we'll give you 100,000 points."

00:10:00.840 | But all of those things have always come at the cost of usually the interest rate

00:10:05.040 | or closing costs or fees.

00:10:06.320 | And so I think that is just not something worth it.

00:10:08.880 | The follow up to that was, "What about buying a car?"

00:10:11.680 | And Colin asked the same question.

00:10:13.320 | That on the other hand, I think it is a negotiable thing.

00:10:16.600 | So when you buy a car from a dealership, the dealer will often take some portion

00:10:20.800 | of a down payment on a credit card and they're just going to eat the fee.

00:10:24.640 | But that's something you can negotiate.

00:10:26.720 | So unless you're buying a Tesla online where I don't think there's a way to do

00:10:30.160 | it, it is possible to put part of your down payment for your car on a card.

00:10:34.640 | And I would say the limit there might only be the limit of your card and the

00:10:38.840 | limit of what you can get the dealership to accept.

00:10:41.480 | So if that's something you're thinking about, I would definitely encourage you

00:10:45.240 | to push and negotiate there.

00:10:46.600 | Actually, I stand corrected.

00:10:48.480 | Michael in the chat just shared that if you're buying a Tesla, if you remove the

00:10:52.200 | add-ons like full self-driving from the purchase price, you can actually upgrade

00:10:56.040 | it after and pay with a card.

00:10:57.680 | Given that it costs about $10,000, you could probably meet a full signup bonus

00:11:02.160 | minimum spend in one go, though it'd probably mean you won't be able to

00:11:05.400 | finance it, so keep that in mind as well.

00:11:08.120 | I love learning these kind of hacks from listeners, so please keep them coming in

00:11:11.480 | the chat, by email, Twitter, Instagram, DM, or anywhere else.

00:11:15.400 | I might actually use Michael's hack if the Tesla we ordered that keeps getting

00:11:18.560 | delayed ever ends up coming.

00:11:19.800 | So thank you so much.

00:11:20.960 | I'm going to do one more email one, which was from Chad about flexibility and what

00:11:27.120 | being flexible means when it comes to booking.

00:11:29.160 | He pointed out, rightfully so, that you have to be flexible.

00:11:32.480 | And he's like, "Hey, you took this trip and you waited until the last minute.

00:11:34.680 | Is that always possible?

00:11:35.920 | What about for hot destinations versus not?

00:11:38.840 | Having backup destinations, how that works?"

00:11:41.600 | So what I always say with points is there's kind of two times that are the most ideal.

00:11:46.240 | It's like as far out as possible and as last minute as possible.

00:11:49.560 | Now that doesn't mean you can't use points other ways.

00:11:52.160 | And that doesn't mean I haven't taken trips with less flexibility than that.

00:11:55.760 | But anytime you can reduce one area of where you want to go, when you want to go,

00:12:01.520 | what airline or what type of travel you want to take, whether it's in business or

00:12:05.760 | coach, reducing one complexity makes things easier.

00:12:08.720 | If you can reduce more, it's even better.

00:12:10.720 | I always say if you're looking to be flexible, that doesn't mean you have to

00:12:13.960 | plan super far in advance.

00:12:15.440 | It might mean you need to be flexible with what day of the week you're traveling.

00:12:19.000 | It might mean you might need to be flexible with taking a layover somewhere

00:12:22.400 | else, or maybe even buying a ticket, often called a positioning flight.

00:12:27.200 | So if you live in, let's say, Las Vegas, you might not be able to find the award

00:12:32.720 | flights you want, but if you're flexible to buy a $100 ticket to LA or to San

00:12:38.200 | Francisco, or maybe to Phoenix, you might be able to get an award flight you

00:12:42.480 | wouldn't have otherwise gotten.

00:12:43.600 | So when I think of flexibility, it's in all of those ways.

00:12:47.480 | If you're willing to fly anytime, anywhere, I think you can

00:12:50.880 | probably go wherever you want.

00:12:52.200 | And the big cool thing about last minute stuff and the positive outcome for at

00:12:57.720 | least award travel with the pandemic is that with a lot of change and cancellation

00:13:02.400 | fees being waived, you can book with miles.

00:13:05.600 | And then if something opens up better, you can usually change or

00:13:08.880 | cancel and rebook at the last minute.

00:13:11.120 | So there've been times where I ended up booking a flight that I didn't think

00:13:14.680 | was as ideal as the alternative.

00:13:16.560 | It was maybe two layovers and then went to the airport one day, like four hours

00:13:21.760 | early, something opened up, canceled and rebooked at the airport.

00:13:24.680 | I was flexible in the last minute to change because I was flexible early on

00:13:29.240 | to take something that was less than ideal.

00:13:30.720 | Okay.

00:13:31.560 | So I'm going to scroll up, hit on Weber's question.

00:13:34.280 | Thanks for asking, "Where would you stay in London for a luxury splurge?"

00:13:38.000 | Well, this is a question I definitely have no clue how to answer.

00:13:40.320 | The last time I was in London, I distinctly remember being very young

00:13:44.400 | and having a Discman and listening to Alanis Morissette's new album that

00:13:48.880 | just came out, which can tell you how long ago that was.

00:13:52.040 | So I literally have no idea where I would recommend staying, but I'll tell

00:13:56.120 | you how I would if I were taking a trip.

00:13:57.880 | So Weber's got 150,000 Marriott points, 100,000 Chase points and 80,000 Amex

00:14:03.120 | points and can transfer to British Airways to take the nonstop flight from

00:14:07.120 | Austin, but what do you do for hotels?

00:14:08.640 | So when I'm thinking of hotels with points, it's unfortunate that

00:14:15.480 | there aren't a ton of great options.

00:14:17.280 | I've accumulated some Marriott points.

00:14:18.960 | And so using those for Marriott, great.

00:14:20.840 | If I have Chase points, transferring those to Hyatt is great.

00:14:24.400 | And Weber, I'm trying to make this as broadly applicable.

00:14:27.320 | I know some of this might not be relevant, but I want to emphasize

00:14:32.360 | that outside of using points in a hotel chain that you already have or using

00:14:36.520 | the hotel credit card to earn them and transferring points to Hyatt, I don't

00:14:40.920 | actually think using points to book hotels is the best way to use points.

00:14:45.800 | I wish it was, it just unfortunately is not the best transfer rate.

00:14:50.720 | So I typically, if I'm not doing Hyatt or Marriott, I'm looking to pay for

00:14:55.480 | hotels and when I'm looking for deals, I'm using sites like Google hotels,

00:15:00.160 | like the same kind of common search engines to find them.

00:15:02.640 | And then using the tactics we've talked about a number of times on the show of

00:15:06.960 | booking directly with the hotel, reaching out and looking for the upgrade.

00:15:10.080 | So hoping for the upgrade helps a lot of times, if you're looking for luxury,

00:15:14.600 | that's one of the things that we have a partnership with Savanti, the company

00:15:18.160 | that Lee Rowan, who's been a guest on the show a few times, runs where we can

00:15:21.440 | try to help hook up the different types of upgrades, early check-in, late

00:15:25.840 | checkout, free breakfast, sometimes a property credit, all that kind of stuff.

00:15:29.880 | So if I'm looking at you with 150,000 Marriott points, I would

00:15:33.400 | do that search on Marriott.

00:15:34.520 | If the chase points are available, I would transfer them to Hyatt and I

00:15:38.800 | would just try to find the best thing you can, otherwise I'd be searching

00:15:41.840 | for the cheapest prices for the best hotel and reaching out to try to get deals.

00:15:45.680 | All right, Mallory, I don't know where you are to unmute you, but feel

00:15:49.680 | free to unmute and ask this question.

00:15:51.560 | Hey everybody.

00:15:53.200 | I just want to interrupt because I've partnered with Point.me, my favorite

00:15:56.800 | award search tool, to give you a special offer of only $1 for your first

00:16:01.360 | month of their standard plan, if you go to allthehacks.com/pointme and

00:16:07.040 | use the promo code HACKS.

00:16:08.640 | Again, allthehacks.com/P-O-I-N-T-M-E or find the link in the show notes.

00:16:16.080 | So definitely take advantage of that if you're planning a trip with points.

00:16:19.480 | So my question is when you're at the beginning of a trip plan, where

00:16:26.400 | you've just decided the location, but don't really know what you're going

00:16:30.360 | to be doing or where you're going to be staying, what's your process for

00:16:34.680 | figuring out what cards to get and when to open them, what order and how long

00:16:39.880 | to wait in between opening them?

00:16:41.640 | Like, for example, I'm trying to plan a big trip to Japan next winter, but

00:16:46.760 | I really don't have any idea of where to start card-wise for making sure

00:16:52.000 | that I can cover most of the trip with points.

00:16:56.720 | So great question.

00:16:58.120 | And if anyone listening hasn't been to Japan, you're on the right track.

00:17:02.240 | It's amazing.

00:17:02.920 | So when I'm thinking of a trip and trying to figure out how I can make the

00:17:06.560 | trip free, I sometimes like to do some quick searching about award sweet

00:17:11.680 | spots for Japan, right?

00:17:14.040 | In your case or any country.

00:17:15.720 | And you'll try to get a sense of "Is there an airline that has some of the

00:17:19.760 | best flight deals with points to Japan?"

00:17:23.920 | So I happen to know that ANA is one of those airlines, and I can't remember

00:17:28.120 | the exact number of points off the top of my head, but I think in business

00:17:32.080 | class, it's something like 80 or 90,000 points round trip, which is way better

00:17:36.880 | than a lot of other options.

00:17:37.960 | So if I found a country I was going to, and there was a particular airline that

00:17:42.800 | was like the best deal for booking, I would consider trying to earn points in

00:17:47.920 | a program that will transfer to that airline.

00:17:51.280 | So in this case, Amex is a partner of ANA, 100,000 Amex points might get you

00:17:56.080 | to Japan in business class because you can go through ANA, but 100,000 Chase

00:17:59.960 | points might not because there might not be a Chase partner that has as good of

00:18:05.200 | a deal for booking flights to Japan.

00:18:06.840 | When it comes to flights, that's what I'm thinking about.

00:18:08.760 | The other aspect is just what's most flexible, right?

00:18:11.840 | Earning United points would be much less flexible than earning Chase or Amex or

00:18:16.200 | Built or Capital One points because you can only use them on one airline versus

00:18:20.240 | a lot. Second, I would be thinking about is what are the big offers right now?

00:18:25.320 | I'd rather have 100,000 Amex points than 50,000 of almost any other point.

00:18:30.480 | So when I think about trying to plan a trip this far in advance, I'm thinking,

00:18:35.080 | what are the big signup bonuses that are available right now?

00:18:38.960 | The Chase Sapphire Preferred at 80,000 right now is a big one.

00:18:42.680 | I think that Amex Platinum is still at 100,000, which is a big one and just

00:18:47.160 | depends. I think the Venture X card is still at 75,000 points, which is another

00:18:52.040 | big one. So I try to keep track of what's a big opportunity right now and then be

00:18:57.200 | opportunistic. If there's a card that launches something with a huge signup

00:19:01.440 | bonus, maybe be ready to take advantage of that.

00:19:04.120 | And as many of you know, I have a page set up at allthehacks.com/cards where I

00:19:08.480 | link to the latest signup bonuses and card offers.

00:19:10.960 | When you sign up for a card there, you're supporting me and the show.

00:19:14.800 | So thank you so much to those of you that have done it already and to anyone in the

00:19:18.400 | future who does it. I really appreciate it.

00:19:20.480 | As far as waiting between card signups, I've kind of heard it's best to wait 45 to

00:19:25.400 | 60 days between signups.

00:19:27.280 | It usually takes me at least that long to spend enough to meet the minimum spend.

00:19:31.440 | So that's how I think about it in advance.

00:19:34.160 | When it comes to hotels, I think it really is location dependent.

00:19:39.320 | Some locations, even really nice hotels are cheap enough that it might not even make

00:19:43.880 | sense to worry about points.

00:19:45.000 | There are a lot of really high end hotels in Thailand that using points might not

00:19:49.080 | even make sense. If cash flow is a thing, use the portal to book them, then even

00:19:52.560 | worry about transferring them.

00:19:53.840 | But for example, you mentioned Japan.

00:19:56.480 | The Park Hyatt's are like thousand plus dollar a night hotels that you can book

00:20:01.160 | with 40,000 Hyatt points.

00:20:03.560 | If you want to go all out, I was lucky to stay at the Park Hyatt in Kyoto.

00:20:07.560 | And it's literally like the nicest hotel I've probably ever stayed at and was a

00:20:10.880 | great deal with points. And that was with Hyatt.

00:20:12.760 | So I would be thinking if there's a hotel that I'm really excited about, I would be

00:20:17.080 | trying to earn the points in that hotel program.

00:20:20.400 | Maybe that means getting the Hyatt card because those points are gonna be extra

00:20:23.880 | valuable or chase which transfers there.

00:20:25.920 | If there were a Ritz Carlton or a St.

00:20:28.080 | Regis, I might look at a Marriott card because I have a particular use case for

00:20:32.080 | those points and get that in advance.

00:20:33.920 | Then I leave some room for flexibility.

00:20:36.480 | You said you're going to Japan. I don't know exactly which city.

00:20:39.080 | I would be open to starting to think about where I want to go and building that

00:20:43.880 | around availability.

00:20:45.120 | So sometimes there might be, "Oh, well, this one hotel is only got these four

00:20:49.200 | days. Maybe I plan around that.

00:20:50.760 | I only find flights this week.

00:20:52.360 | Maybe I plan around that."

00:20:53.400 | I think if you have enough flexibility, you could kind of organize the trip in the

00:20:58.120 | most cost effective way for your points by maybe changing the order of the cities

00:21:03.080 | you visit or the day you fly.

00:21:04.680 | And then I wouldn't be afraid to not always use your points.

00:21:07.960 | So like the train in Japan is really efficient.

00:21:10.840 | I don't think there's a good way to use your points on it.

00:21:12.480 | I wouldn't force yourself to try to use your miles to fly between cities if the

00:21:16.360 | train's more convenient.

00:21:17.400 | Also, the experience of the train in Japan is worth taking.

00:21:20.160 | So I think, yeah, that's what I often do.

00:21:23.600 | Awesome. Thank you so much.

00:21:25.160 | I do have a follow up question, if that's OK.

00:21:27.840 | OK, so it's given me a lot of anxiety to try to figure out all the rules,

00:21:34.120 | especially like Chase 524 in relation to this trip.

00:21:38.120 | I've already used a lot of Chase spots for a past Disney trip that I covered with

00:21:42.680 | points. So now I'm afraid if I use the American Express points, that's all you

00:21:49.040 | can get. You get them and then that's it.

00:21:51.560 | It seems like especially now, since there's a lot of stipulations on cards, if

00:21:56.000 | you get one IHG card or Southwest card, then you can't get another type of

00:22:01.680 | rewards card of that same family.

00:22:04.360 | I'm very new to it, so I'm still trying to figure all that out.

00:22:07.200 | I don't know if you have any advice on that aspect of it.

00:22:10.080 | There are a lot of rules about this.

00:22:12.360 | The big one, 524 is Chase has a rule that I just talked about at length with Julia

00:22:17.760 | on a recent episode.

00:22:19.280 | It was the last episode, if you're here live.

00:22:21.640 | So definitely listen there.

00:22:23.480 | I would say there are apps and one of them is doing a giveaway today.

00:22:28.360 | Card Pointers, it's an app where you can add these cards, keep track of your 524

00:22:32.400 | status. We're going to give someone here or that enters from the podcast a free

00:22:37.160 | lifetime subscription to Pro.

00:22:38.680 | I use it to track what are all my cards, where am I going to spend for different

00:22:42.800 | categories, what credits am I using, how long has it been since I opened this

00:22:46.680 | card. So one answer, which isn't the full answer, is to track everything in one

00:22:50.920 | place. The other answer is you're going to have to look around because the rules

00:22:54.080 | change and the rules are different.

00:22:55.440 | So it's not the perfect answer to say, oh, go search IHG card.

00:22:59.440 | What are the rules? Chase, what are the rules?

00:23:01.800 | But the one thing I will say is if you are looking to get a card, there are cards

00:23:06.800 | that business cards often if you're in the situation to have a business and a

00:23:11.880 | business doesn't mean you own a business with thousands of employees, it could

00:23:14.960 | mean you have a freelance business, you generate some kind of income, you don't

00:23:18.720 | even always need an EIN from the IRS to get a business card.

00:23:22.400 | And they don't usually count towards the 524.

00:23:25.600 | So if you've already opened up five cards in the last 24 months, it can be hard to

00:23:29.720 | get approved for a chase card.

00:23:30.920 | But if you open a business card, that doesn't count towards the limit.

00:23:35.600 | So if you're at that four, you're like, I've opened four chase cards, you can open

00:23:39.160 | a business card, you'll be able to get it because you're under five and then it

00:23:42.160 | won't count towards the five and you can get another one.

00:23:44.000 | So I typically say open up the chase cards first, accept business cards before

00:23:51.480 | that so that you're staying under those limits.

00:23:53.600 | Perfect. Thank you so much.

00:23:55.080 | I wish I could say that I'm eating a fully balanced diet every day, but the

00:24:00.200 | reality is that I am definitely not.

00:24:02.520 | So I love having an easy way to get my daily nutritional insurance, which is why

00:24:07.120 | I kickstart my day with Athletic Greens and I am excited to be partnering

00:24:11.000 | with them for this episode.

00:24:12.200 | I started taking it because I wanted to see what all the hype was about and I've

00:24:16.200 | kept it in my daily routine for months.

00:24:18.640 | Every morning I mix it up with some cold water, add a few ice cubes.

00:24:22.600 | It tastes so good when it's cold and I head to my office feeling focused and

00:24:26.880 | energized for the day, which is a feeling I absolutely love.

00:24:30.880 | I also love that it's made from 75 high quality vitamins, minerals, and super

00:24:35.200 | foods and contains less than one gram of sugar.

00:24:38.160 | It also has no GMOs, nasty chemicals, or artificial anything.

00:24:42.280 | To make giving it a try easy, Athletic Greens is going to give you a free one

00:24:46.960 | year supply of immune supporting vitamin D and five free travel packs

00:24:51.600 | with your first purchase.

00:24:52.920 | All you have to do is visit allthehacks.com/athleticgreens.

00:24:58.520 | Again, that's allthehacks.com/athleticgreens to take ownership over

00:25:03.760 | your health and pick up the ultimate daily nutritional insurance.

00:25:07.280 | You all know I love credit card points, so I'm excited to be partnering with

00:25:12.360 | Card Pointers today, which is one of my favorite tools for travel hacking.

00:25:16.240 | It's a free app that helps you manage all of your credit cards in one place and

00:25:20.440 | makes it easy to find the right card to maximize your category bonuses on every

00:25:25.040 | purchase.

00:25:26.000 | You can also load it on your partner's phone so they always know the best cards

00:25:30.120 | to use.

00:25:30.680 | The app automatically tracks every category bonus and recurring credit from

00:25:35.640 | over 5,000 cards, and they also track and help you use your Amex, Chase, Bank of

00:25:41.840 | America, or Citibank offers to save even more money every day.

00:25:45.920 | And with their browser extension, you can actually activate every single Amex and

00:25:50.720 | Chase offer in just one click.

00:25:53.040 | And because of that massive credit card database, you can do all of this without

00:25:57.280 | having to give up any personal or banking details.

00:26:00.120 | The app is free to download, and many of the features are free as well, but if you

00:26:05.040 | want to try out the pro version, there's a free trial.

00:26:07.600 | And if you decide you want to sign up after the trial, which you probably will,

00:26:11.960 | you can go to allthehacks.com/cardpointers to get 20% off.

00:26:17.880 | Again, that's allthehacks.com/cardpointers.

00:26:23.680 | Brandy says, "How do you decide personally when to maximize points and when to just

00:26:28.280 | spend the money?

00:26:29.000 | You could spend hours maximizing points, but at some point, the value of the

00:26:32.320 | savings is probably outweighed by the value of the time.

00:26:34.720 | How do you avoid becoming obsessive?"

00:26:36.840 | This is a skill that I am still working on.

00:26:39.640 | I think the answer I would give for someone thinking about this is to always

00:26:44.760 | kind of think about what your time is worth.

00:26:46.680 | I know it's difficult and we typically undervalue our time.

00:26:50.640 | But one thing that helped me was when my wife was working at Lyft, I signed up to

00:26:54.920 | be a Lyft driver.

00:26:55.720 | And I was like, "Okay, now I know exactly how much at a floor I could make going to

00:27:00.360 | do something at any time."

00:27:01.440 | So if I'm going to spend more time than I would make doing that as an hourly rate,

00:27:05.800 | that gave me a mental answer.

00:27:07.680 | And then I looked at my options.

00:27:09.160 | So there are services where point.me as a concierge, Book Your Award, I can link to

00:27:15.360 | more in the show notes that will go through this entire process of "I want to

00:27:19.320 | book a flight here, go search all the options and come back to me."

00:27:22.720 | And they typically cost anywhere from $100 to maybe $300, depending on the

00:27:27.840 | complexity of the trip, the number of people and where you're going and what

00:27:32.320 | cabin you're traveling in.

00:27:33.640 | And so I'm like, "Okay, if this is going to take me 30 hours, it's probably worth

00:27:36.880 | it to hire a service to do this."

00:27:38.520 | And many of them come with a guarantee that if they don't find something either

00:27:43.320 | better than you've already found or something at a reasonable price, they'll

00:27:46.920 | refund you.

00:27:48.400 | So my approach typically is, "Let's do a search on my own.

00:27:54.000 | Let's spend half an hour and just see if I find anything good and get a sense of

00:27:57.360 | how hard it's going to be."

00:27:58.320 | Like when we were going to Bora Bora, it's like, "Are there flights every day or

00:28:03.720 | are there flights like once a month?"

00:28:05.600 | And if I do a search and it's every day, I'm like, "Okay, I'm going to be able to

00:28:09.440 | handle this."

00:28:09.920 | If it's like once a month, I'm like, "Okay, if I have enough flexibility, maybe

00:28:14.560 | it's easy.

00:28:15.080 | But if I didn't have a lot of flexibility and it looks like there's not a

00:28:18.320 | lot of availability, I would definitely try to hire a service to help out."

00:28:23.160 | However, early on, I wanted to understand how it all worked.

00:28:27.000 | I was fascinated by it and I loved spending time on it.

00:28:29.600 | So I would just go down the rabbit hole.

00:28:31.600 | And if I spent 10 hours checking 100 sites, it didn't feel like work to me.

00:28:35.320 | But now that I think I have more responsibilities in life, I just can't

00:28:40.240 | spend 10 hours going down that rabbit hole.

00:28:42.360 | That's a little bit about how I think about booking an award versus hiring

00:28:46.800 | someone to help book an award.

00:28:48.240 | When it comes to just spending the money, I get a pretty good sense when I'm

00:28:52.000 | looking at a flight, whether it's going to be available at a lower cost.

00:28:56.560 | And what I mean by that is on United, you can book almost any flight with miles.

00:29:00.720 | It just sometimes might cost an insane number of miles.

00:29:04.000 | And if you look at Hilton, when we're looking at Bora Bora, it wasn't that you

00:29:06.960 | couldn't book it.

00:29:07.640 | It was just that on the days that it wasn't 100,000 points a night, it was a

00:29:11.320 | million points a night.

00:29:12.800 | And so if I start to realize that all the days I'm looking for are going to be at

00:29:17.240 | that like insane, crazy price, then I usually will just say, "If this is a trip

00:29:23.160 | I need to take on these days, then I'm just going to pay for it."

00:29:25.480 | There's not a cents per mile where it makes sense.

00:29:27.760 | Sometimes it's, "I just want this trip to be free.

00:29:30.680 | And I don't want to deal with the expense of the trip this month."

00:29:34.080 | And it's okay if it's at a lower number of points per mile.

00:29:37.640 | I'd rather you take the trip than get the most out of your points because I

00:29:40.640 | think travel is amazing.

00:29:42.000 | So Jared asked about elite status and whether I value them.

00:29:44.880 | I'll just talk broadly for a moment.

00:29:47.360 | I think there was a time in my life where I was traveling a lot for work and status

00:29:51.680 | on airlines and hotels was really, really important.

00:29:54.440 | And I remember going on a mileage run where I just flew to Kansas City for the

00:29:58.800 | day.

00:29:59.160 | I didn't even have to go to Kansas City.

00:30:00.560 | There was nothing to do.

00:30:01.080 | I just flew there, sat at the airport and flew back so that I could get, I think,

00:30:05.000 | United status for that year.

00:30:07.040 | And I got to a point where it just felt like you now need the highest, highest

00:30:12.680 | tier of status on any airline to ever get an upgrade.

00:30:15.720 | And it can never be reliable.

00:30:18.160 | And I got to the point that I was like, "I either want the upgrade or I don't

00:30:22.240 | care."

00:30:22.720 | And chasing status with airlines just wasn't worth it.

00:30:26.560 | And so I was like, "If I have the miles or the points, I'll just use them to fly

00:30:31.680 | in business if I want to.

00:30:33.440 | And I'm not going to worry about trying to chase the status to maybe get the

00:30:38.240 | upgrade."

00:30:38.760 | And most of the time, I think that in the long run, that's been the better

00:30:43.320 | decision.

00:30:44.120 | So that's how I think about airline status.

00:30:47.320 | Hotel status is a little different because the highest tier of hotel status on most

00:30:52.240 | chains usually includes breakfast at the hotel.

00:30:54.480 | And that has a tangible value.

00:30:57.240 | So for me, I think if I'm going to stay at enough hotels in the year, I know how to

00:31:01.720 | calculate that.

00:31:02.640 | So Marriott status, for example, I've had for almost 6 years.

00:31:06.240 | And it's been worth trying to stay at a few extra Marriott's to get free

00:31:11.480 | breakfast.

00:31:12.040 | But I'm slowly coming to the point that I think I would be happier if I just

00:31:16.600 | prioritize the hotel I want, the place I want, and take away some of the stress

00:31:21.240 | that we talked about earlier in Brandy's question of like, "Oh, now I need to book

00:31:25.120 | in this chain."

00:31:25.600 | So for me, I think I started out valuing elite status a lot more.

00:31:29.720 | And in the past year, I think I've just let it become less important, maybe the

00:31:34.880 | last few years.

00:31:35.800 | Andrew said, "My company likes us to use IHG for work travel.

00:31:38.720 | So I have elite status and the points there already.

00:31:41.080 | And the discussion here is about Hyatt and Marriott.

00:31:43.720 | Should I try to get out of IHG or is there a good way to leverage my perks?"

00:31:46.960 | I actually don't have a problem with IHG as a hotel chain.

00:31:51.560 | The challenge is if you don't have IHG points, then I think it's really tricky.

00:31:56.400 | So you already have IHG points, which is fantastic.

00:32:00.040 | The reason why is that a lot of times, if you look at how many points you earn per

00:32:04.120 | dollar on a Marriott card or an IHG card, depending on the card, it can be on a

00:32:10.400 | hotel stay, you end up earning like 10 points per dollar on some of these hotel

00:32:14.680 | stays when you combine the hotel, the card, and everything.

00:32:17.840 | When you're looking at spending money on a regular card, you're earning 2, 3, maybe

00:32:22.800 | 5 points if it's an Amex on a flight.

00:32:25.400 | So you can earn a lot of hotel points on different chains at a much higher rate on

00:32:30.160 | the per point level staying at them.

00:32:32.480 | So if I were saying a lot of IHG points, you could rack up a lot of IHG points and

00:32:36.480 | have awesome trips and there's some amazing IHG hotels.

00:32:39.480 | The challenge is when you go to transfer points to IHG from their partners, which

00:32:44.200 | off the top of my head, I can't remember, but let's pretend it's Amex, you're just

00:32:47.760 | going to get one IHG point per dollar.

00:32:50.560 | So I don't love using flexible points with Chase or Amex or Bilt or anywhere else to

00:32:57.440 | transfer to hotel partners that are not Hyatt because I just don't think the rate is

00:33:02.680 | good.

00:33:02.960 | Like a hotel on Hyatt, the highest end is like 40,000 points and a hotel on the

00:33:09.000 | highest end on Marriott and IHG and Hilton can be over 100,000.

00:33:12.960 | So if I'm using Amex points or Chase points and they're going to one to one, it's

00:33:18.400 | just not a great value transferring to IHG, transferring to Marriott.

00:33:23.200 | Whereas when I can go one to one from Chase or Bilt to Hyatt, it is a really good

00:33:27.480 | value.

00:33:27.800 | That said, if you can stay at a lot of IHGs and earn points there, I'm all for going

00:33:33.400 | deep on IHG, getting the credit card, earning the bonus points, working for elite

00:33:37.360 | status.

00:33:37.960 | And that's kind of in effect what I've done with Marriott for almost half a decade

00:33:42.160 | or more is stay in lots of Marriott, use the Marriott card, earn over a million

00:33:48.040 | Marriott points.

00:33:48.840 | I've just never transferred points from credit cards to Marriott because I don't

00:33:54.280 | think it's a good deal.

00:33:54.960 | So I would say if there's a hotel chain that you're fond of that isn't Hyatt, that

00:34:00.120 | doesn't mean don't use it.

00:34:01.120 | It just means the best way to earn those points is going to be from staying at that

00:34:04.760 | chain or using the card for that chain.

00:34:07.360 | And it's not going to be from flexible points programs.

00:34:10.120 | I'll just share.

00:34:10.920 | Jared said, if you can find someone with an Amex gold, they're running a 90,000

00:34:14.960 | point signup bonus plus 20% off restaurants for a few months, if you can get

00:34:18.440 | referred to the card by someone with that offer.

00:34:21.120 | That's awesome.

00:34:23.000 | I don't think I knew that.

00:34:24.160 | I have an Amex gold.

00:34:25.200 | I'm happy to refer people, but this is exactly why I want to build this kind of

00:34:28.960 | all the hacks community.

00:34:29.920 | I want to be able for Jared, who I'm guessing knows this because he has one, to

00:34:33.640 | be able to share that link with the community, share this stuff with people.

00:34:36.520 | And this is kind of what an experiment that I wanted to run is what happens when

00:34:39.760 | you get a few people in a room and I'm seeing people sharing ideas.

00:34:42.880 | And that's what I'm really hoping to do.

00:34:44.520 | So hopefully before the end of the year, there's a place for those kinds of tips

00:34:49.160 | to be shared, for people to share those with each other and help everyone out.

00:34:53.440 | Also, Emmanuel from Card Pointers pointed out that there's still a resi offer for a

00:34:57.880 | 75,000 point Amex gold offer with 20% at restaurants.

00:35:02.520 | So if you search that, I'll also link it in the show notes.

00:35:05.000 | Brandy said a competitor to Card Pointers doesn't allow you to track points from the

00:35:08.200 | two different accounts at the same bank.

00:35:09.760 | Does Card Pointers allow for that?

00:35:11.560 | So Card Pointers, to their benefit, but maybe to the detriment of the feature

00:35:17.560 | you're looking for, relies on a massive database.

00:35:21.120 | They've got like 4000 different cards in their database.

00:35:24.080 | So you don't actually have to link your accounts.

00:35:26.200 | So Card Pointers is not a place to track your points amongst all of your balances

00:35:31.000 | in one place.

00:35:31.760 | Unfortunately, I haven't found a good solution for that.

00:35:34.080 | I know that the Points Guy has an app that does it.

00:35:36.920 | I know Award Wallet does it.

00:35:38.640 | And unfortunately, I don't think any of them work across everything.

00:35:42.720 | So you're having to do some stuff manually.

00:35:44.880 | So sadly, I end up just doing it all in a spreadsheet.

00:35:47.480 | What Card Pointers does is says, "Okay, we know you have an Amex Platinum.

00:35:51.480 | We know you opened it when the 100,000 point signup bonus was there.

00:35:55.000 | And we know that means you need to spend 6,000.

00:35:57.240 | So make sure you do that and let us know when you do and we can check that off your

00:36:00.720 | list." But it's not tracking it in real time by linking with your banks.

00:36:05.040 | I don't know of a great service that can track across multiple banks, across

00:36:10.120 | multiple accounts.

00:36:11.120 | Award Wallet would be the closest thing to that.

00:36:13.760 | I would love someone to build that.

00:36:15.040 | I think the Points Guy wants to, but I have the same concern there, which is I use

00:36:18.760 | their app and I can't sync both me and my wife's stuff.

00:36:21.600 | So and then below that, and I'm going in order, Emmanuel said he's working on a

00:36:27.400 | specific card recommendation system, which takes into account all the bank rules.

00:36:31.640 | So to the question before about managing all those rules, it sounds like that's

00:36:35.040 | coming in the next big update for Card Pointers.

00:36:37.480 | JC asks, "How do I keep all the information notes for a podcast organized?"

00:36:41.240 | I want to do an episode in the next month or two about all the tools I'm using for

00:36:45.560 | everything. But specifically for the podcast, I run everything through a product

00:36:50.720 | called Notion, which I think it's like Google Docs/Wiki.

00:36:55.640 | I don't really even know how to pitch it best.

00:36:57.480 | So if Notion, if you're out there and you want to sponsor the show, I promise I'll do

00:37:01.040 | a better job because I love the product.

00:37:02.840 | But I organize everything.

00:37:04.800 | It's kind of has its own mini databases where I can link things.

00:37:07.840 | So I actually have a whole like a Kanban board, which is like I move cards through

00:37:12.560 | different stages of guests and where are they?

00:37:14.960 | Have I reached out to them?

00:37:16.000 | Did we commit to a time?

00:37:17.680 | Have we recorded?

00:37:18.560 | And then that pipes into another database that I use for each episode so I can line

00:37:23.360 | up that interview of a guest with a specific episode.

00:37:26.400 | There's another database of sponsors.

00:37:28.440 | But it all works together and looks mostly like Google Docs does or kind of like an

00:37:32.200 | old school wiki where you can edit things, have collaborators and comments and

00:37:35.280 | everything. So I go into each guest's page on Notion and I put in notes before the

00:37:40.720 | interview. And I keep that pulled up during the interview so that I can reference it.

00:37:45.200 | I go in and I write down notes about sponsors and I even track which ones I'm

00:37:49.040 | excited about coming up, all of that, all in Notion.

00:37:52.160 | So if you have any project, I highly recommend Notion.

00:37:55.600 | My wife and I use it for all kinds of other stuff with our family.

00:37:58.560 | So we actually have a Hutchins and Fox family Notion board where right now we're

00:38:03.800 | going back and forth commenting on baby names.

00:38:06.040 | We keep all of our like frequent flyer numbers in one place.

00:38:09.240 | We used to use it to track things when we were having the first baby of all of our

00:38:12.760 | registry items and things we need to buy.

00:38:14.840 | So Notion is the place I go for all of that kinds of stuff.

00:38:19.400 | But I do want to do an episode where I dive into all of the different tools.

00:38:24.000 | So expect that, let's call it sometime this summer.

00:38:27.960 | All right, Mallory, another one.

00:38:29.840 | "Any tips for low income individuals using points for travel, especially from slower

00:38:35.680 | spending to reach the sign on bonuses, the cards with higher annual fees, figuring out

00:38:40.480 | spending that just isn't covered by points when traveling?"

00:38:42.680 | So I'm a big fan.

00:38:44.280 | Episode 5 with Scott Kyes, Scott's Cheap Flights is an awesome newsletter that I've

00:38:49.400 | used just to track for years about best deals.

00:38:52.880 | So when it comes to flights that aren't with miles, I found some great deals there.

00:38:58.200 | The Google Flights destination search where you could just leave a destination off and

00:39:02.600 | find where is this cheapest place to go is fantastic.

00:39:06.040 | In the episode 55 with Julia, we talked about buying clubs, which is something that I am

00:39:12.040 | not the expert on, but I would definitely recommend a listen for helping meet minimum

00:39:16.720 | spend.

00:39:17.680 | There are these clubs where effectively, people who often for export reasons, want to buy

00:39:24.160 | like a lot of a certain thing that's limited like an iPad or something like that, they

00:39:28.000 | will basically pay you to buy it and ship it to them.

00:39:30.480 | So that's a way to earn minimum spend.

00:39:32.960 | If you have a card that pays cashback or points, I don't typically encourage or like to

00:39:39.640 | buy points unless you have a redemption in mind.

00:39:42.120 | But a card like the Venturex card, which earns two points per dollar that you could cash

00:39:48.040 | out, you can pay your taxes on them.

00:39:49.760 | So if you owe taxes, if you don't mind giving the government a loan, you can pay your

00:39:55.000 | taxes.

00:39:55.520 | Even if you overpay them, you'll get a refund and they'll send them back to you.

00:39:59.000 | So I don't like doing that to earn points because I just don't think paying 1.87% to

00:40:05.720 | earn points is worth it.

00:40:06.680 | But if it's a 2% cashback card that you need to hit a minimum spend on, then you could

00:40:10.760 | use paying your taxes as a way to hit that minimum spend and get the big bonus.

00:40:14.840 | That's another tactic.

00:40:15.960 | I think Julia and I talked about a few other ones, so I would reference that episode.

00:40:20.400 | But if that doesn't cover it, I will think of other ideas for a future episode and share.

00:40:25.080 | So Yevgeny, hopefully I got that right, asked if I could talk about BlockFi alternatives

00:40:31.480 | since they no longer accept signups for the interest account.

00:40:33.720 | This is a great question and one that I think will change over the next few months.

00:40:38.800 | So ultimately, I think it's a bit strange the way regulators have approached this in

00:40:44.280 | preventing BlockFi from operating, not preventing other companies who are offering a

00:40:48.640 | similar thing from operating, but saying it's not allowed.

00:40:51.160 | My guess, I don't have any inside knowledge, is that in the coming weeks/months, most of

00:40:57.800 | the BlockFi alternatives out there are going to have to go through the same kind of

00:41:01.440 | securities registration process BlockFi is.

00:41:03.800 | And the best alternative will be to sign up for the new version of BlockFi that will be

00:41:07.880 | coming out once they finish that process.

00:41:10.120 | Until then, there are sites that offer yield on crypto.

00:41:15.640 | And I think it's a short win to get yield there for now because I think it's going to go

00:41:21.800 | away. So for me, for new dollars that I want to earn interest on, I've just kind of been

00:41:25.640 | waiting. The interest rates just from the Fed have gone up.

00:41:28.560 | So I know Wealthfront last week raised their cash rate to 0.85%.

00:41:34.400 | And if you look, there's a really cool site that I'll link in the show notes.

00:41:38.200 | It's called the Countdown to the FOMC.

00:41:41.720 | It's like this FedWatch tool that shows the odds on what is going to happen at upcoming

00:41:48.720 | Fed meetings. So you can kind of get a look at what they think will happen.

00:41:52.880 | So the June 15th meeting, it looks like the expectations are that interest rates, 94% of

00:41:58.160 | people are assuming they're going to be in the 1.25% to 1.5% range.

00:42:02.320 | By July, that goes up to 1.75% to 2%.

00:42:05.560 | And then by September, it's over 2%.

00:42:08.400 | So not a perfect alternative.

00:42:10.960 | But I think sometime over the next few months, also, you're going to see high yield savings

00:42:15.720 | rates all across the country at various different banks, online banks go up as well.

00:42:21.240 | So I think that'll be an alternative that will probably cross that 1% mark pretty soon in

00:42:26.240 | the future. Okay, Peter, "Any tips for a student who doesn't have established credit?

00:42:30.960 | He tried to sign up for the built card to pay rent and the application is pending."

00:42:34.360 | I'll give two things.

00:42:36.760 | One, anytime you sign up for a card, if your application doesn't get approved, I guess

00:42:41.760 | if it's in a pending state, I would search.

00:42:44.160 | I don't know if Built has this, but I know Chase and Amex, they all have reconsideration

00:42:47.920 | lines. So if you apply for a card and it doesn't get approved, I would definitely call the

00:42:51.960 | reconsideration line.

00:42:53.160 | I know I basically never get approved for any Chase cards anymore because Chase has

00:42:58.320 | basically given me all the credit they're willing to give me.

00:43:01.080 | So I call the reconsideration line.

00:43:03.080 | And then we go through this process of "Okay, where do I want to move credit?

00:43:06.200 | I'm going to take $5,000 of credit from my Chase Freedom Unlimited card, and I'm going

00:43:10.360 | to move it to this new card."

00:43:11.720 | So I have to call Chase every time.

00:43:13.440 | I never get approved.

00:43:14.440 | So I wouldn't say not getting approved means you got denied.

00:43:18.160 | It means you might need to call and understand what they need.

00:43:21.120 | I also keep my credit frozen.

00:43:23.000 | And every now and then, I'll apply for a card and forget to unfreeze it, which happened

00:43:26.280 | with the VentureX card from Capital One.

00:43:28.400 | So I called and they said, "We didn't approve you right away because your credit was frozen,

00:43:31.920 | so we couldn't do it."

00:43:32.920 | So I had to unfreeze it and have them rerun it.

00:43:35.120 | So I'll flag that if you don't get approved right away, there might be reasons that aren't

00:43:38.920 | due to your established credit.

00:43:40.360 | Otherwise, this is not a great answer.

00:43:44.120 | But if you're new to this, it's finding a card that has lower credit requirements.

00:43:49.040 | I know the Credit Karma app will actually recommend cards that you can get approved

00:43:53.080 | for or even have pre-approval offers.

00:43:55.400 | I would try to find the best one that falls into that bucket so that you can start building

00:43:59.080 | up credit.

00:44:00.080 | I will say that the mileage may vary on this trick and it requires someone that trusts

00:44:04.960 | you.

00:44:05.960 | But I know that when you become an authorized user on cards, it shows up on your credit

00:44:10.680 | report.

00:44:11.680 | And so if you've ever gone through your credit report, and you and a partner maybe share

00:44:15.600 | a card and have one or the other as an authorized user, you'll actually see that card on both

00:44:20.880 | credit reports.

00:44:22.240 | So if you have someone who has a card that they've had for a really long time...

00:44:25.680 | I know this worked really well 20 years ago or 30 years ago when my dad added me to his

00:44:30.800 | card just to help me build up credit.

00:44:33.280 | So that's another hack that I would consider trying.

00:44:35.760 | I would spend some time Googling around to make sure that whatever issuer you're about

00:44:40.200 | to do it for does report authorized users.

00:44:43.480 | And the trick is they don't even have to send you the card.

00:44:46.000 | They could add you as an authorized user if it's free and not actually give you the card

00:44:50.400 | to go spend money on.

00:44:52.240 | That's one that's worked in the past.

00:44:53.880 | Otherwise, I would just say get the card you can get, pay it off on time, ask for credit

00:44:58.960 | increases at certain intervals so that you can try to establish more credit.

00:45:03.180 | So Benji, you asked about cashback debit cards.

00:45:07.360 | I don't have an answer for you right now.

00:45:09.000 | I understand that if credit is hard to get right now, that a debit card might be a great

00:45:15.280 | place to try to earn points because you don't have that alternative.

00:45:18.600 | I will share 2 thoughts that I have.

00:45:20.960 | One which is the Extra card, extra.app.

00:45:24.520 | It's a product that's a debit card that helps you build credit.

00:45:27.660 | So while you're not going to earn points, if the reason you're using a debit card is

00:45:31.560 | because you want to try and build your credit so you can actually get approved for credit

00:45:35.880 | cards, check out the Extra card.

00:45:37.760 | I don't have any affiliation with them.

00:45:39.320 | I can't endorse them.

00:45:40.780 | But I know that it's a card that helps you build credit with debit.

00:45:44.080 | Outside of that, I don't know if I have a good example.

00:45:46.880 | I think there are a few like FinTech platforms that offer like 1% cashback on some debit

00:45:52.920 | cards, but they usually require a ton of purchases or joining a membership or something like

00:45:57.880 | that.

00:45:58.880 | So I haven't found a good one, but I'm also not looking for one.

00:46:01.120 | So I don't have a good answer there for anyone.

00:46:05.000 | Getting the crew together isn't as easy as it used to be.

00:46:07.680 | I get it.

00:46:08.680 | Life comes at you fast.

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00:47:19.280 | Before we get back to the episode, I just want to thank you for listening to and supporting

00:47:22.560 | the show.

00:47:23.560 | Your support of our advertisers is what keeps this show going.

00:47:27.200 | To learn more about all our partners and get links to all their deals, you can go to allthehacks.com/deals

00:47:33.920 | where the URLs, codes, and discounts are all right there.

00:47:37.600 | So please consider supporting those who support us.

00:47:40.360 | Mallory, I see another question.

00:47:42.160 | Jump in.

00:47:43.160 | Yes.

00:47:44.160 | So this one's more on mindset and personal finance.

00:47:47.200 | So me and my husband, we have limited resources and we've built up a list of about 70, 80

00:47:55.040 | goals that we want to financially save for.

00:47:58.920 | And it's been rather difficult to just sit on those goals and not be able to get them

00:48:04.600 | because there's some that are just like $30 for a lunch or something small like a lunch

00:48:10.760 | box or new slippers.

00:48:13.040 | There's bigger ones that are like the trip to Japan.

00:48:16.520 | And I didn't know if you might have any hacks for ways to think about this sort of thing.

00:48:25.560 | How to approach having so many goals but limited financial resources, that sort of thing.

00:48:31.920 | My quick reaction to that is that's a lot of goals.

00:48:34.240 | I struggle to have more than like 3 goals at any given time.

00:48:37.800 | So I would consider maybe could you bucket some of those goals together and say, "We

00:48:43.880 | have a short-term goal of trying to save X to do these 5 things," and then just focus

00:48:48.960 | on the X number instead of the individual ones.

00:48:51.120 | I would also consider trying to just automate the savings away and say, "Okay, I'm just

00:48:56.400 | going to put money in these 3 different savings accounts."

00:48:58.880 | When I was at Wealthfront, we built this feature called Autopilot.

00:49:00.960 | So you could literally open up all of these different virtual accounts linked to your

00:49:05.240 | cash account and say, "I'm going to put $10 a month in this one until it reaches $1,000.

00:49:09.320 | I'm going to put $20 a month in this one until it reaches there."

00:49:12.120 | So just trying to automate it so that you're not trying to think about it every day.

00:49:16.440 | You might have all of these goals, but if you could not have to think about them every

00:49:20.600 | single day, it'd probably be less stressful.

00:49:22.820 | So if you could try to automate the behavior of saving, it might make that a little bit

00:49:27.480 | easier.

00:49:28.480 | If I was achieving them faster, I would say...

00:49:31.280 | I have this episode coming up that I haven't recorded yet with a woman named Jen Glantz.

00:49:36.920 | And she had been a bridesmaid for a handful of people and realized that her friends got

00:49:43.520 | so much value out of her doing that, that she started a company that at the time was

00:49:47.720 | totally different than anyone else out there.

00:49:49.680 | And she started Bridesmaids for Higher Business, where she posted on Craigslist, "If someone

00:49:53.660 | needs a bridesmaid to help them get through this craziness, I will help."

00:49:59.080 | And she ended up turning that into an entire business.

00:50:01.200 | So the other way I would say, it's hard to cut your spending more and more and more.

00:50:07.180 | It's definitely easier than making more money and that there is a specific way to do it

00:50:11.120 | and you could start tomorrow.

00:50:12.640 | But I would consider if you're trying to achieve goals faster, think about are there skills

00:50:17.400 | or hobbies or passions that you have that maybe you've never thought of turning into

00:50:22.520 | a side hustle that would be able to help you get there faster.

00:50:26.720 | And I did an episode with Nick Loper from Side Hustle Nation, all about that.

00:50:32.360 | And I would definitely say check that out.

00:50:34.580 | And he has a whole podcast all about this.

00:50:36.800 | And JC, thanks for noticing the new crate and barrel couch back here.

00:50:40.120 | We got 15% off buying coupons online.

00:50:42.240 | It's doing great.

00:50:43.240 | Although, if anyone has a hack, I'm going to ask.

00:50:47.140 | If anyone knows where to buy sofa bed sheets that actually...

00:50:52.440 | Maybe it doesn't matter.

00:50:53.440 | Maybe you just buy the regular size.

00:50:55.520 | But I was blown away that I couldn't find a mattress topper or sheets or basically anything

00:51:01.500 | the size of a sofa bed mattress, which is like 10 inches shorter than everything else.

00:51:06.060 | So there's certainly an opportunity out there.

00:51:08.780 | Based on how long it took me to get this couch delivered, there are other people out there

00:51:12.660 | with sofa beds.

00:51:13.660 | So I highly recommend someone doing that so that one day we can buy a sofa bed sheet set

00:51:18.540 | that actually fits the bed.

00:51:20.140 | So Weber, best card for earning points when shopping on Amazon?

00:51:24.540 | I think there are 2 answers there.

00:51:27.260 | One is there's a 5x on the Freedom Flex and Freedom cards on Amazon right now for this

00:51:33.260 | quarter.

00:51:34.260 | And then there's 2 other approaches.

00:51:37.020 | Buying Amazon cards at grocery stores is one.

00:51:39.420 | So use a card that earns 4 or 5x points on grocery stores or office supply stores and

00:51:45.060 | buying Amazon cards and putting them in.

00:51:47.420 | I will say that I don't actually love that approach for certain types of purchases, primarily

00:51:52.500 | because I love the purchase protection that a lot of credit cards come with.

00:51:57.100 | Great example is I bought an iPhone.

00:51:58.860 | I didn't buy this from Amazon, but the same thing would apply.

00:52:02.180 | And I dropped it like 2 months later and the screen broke.

00:52:05.900 | And I used my Chase purchase protection to go in and get the screen repair paid for.

00:52:10.580 | So I was able to get a screen repair, which unfortunately now costs 200 and something

00:52:15.260 | dollars for free because I bought it on a credit card.

00:52:18.720 | If you go buy Amazon gift cards and you use them to buy on Amazon, then you don't get

00:52:23.620 | that purchase protection from your credit card.

00:52:25.780 | So I would say I have no problem if you're buying your groceries on Amazon using a gift

00:52:30.540 | card because you're probably not going to try to do a warranty claim on your groceries.

00:52:35.300 | But I do think that if you're buying anything that you might want to extend the warranty

00:52:40.100 | or replace if it's broken, I would definitely try to use a credit card.

00:52:44.660 | And I actually use the Amazon Chase Visa.

00:52:47.620 | So someone asked about cashback and I'll hit on that.

00:52:50.580 | But I'm not typically a fan of cashback.

00:52:53.340 | But the alternative to earning 5% cashback, if the alternative is earning 1x points, I'll

00:52:59.540 | just take the 5% cashback from Amazon.

00:53:02.040 | And so that's what I do on Amazon.

00:53:03.900 | It's the only cashback card I use because there isn't another option.

00:53:08.440 | When there's a quarter and the Chase bonus is 5x points on Amazon, then I'm switching

00:53:13.060 | the card for that quarter and I'm using my Chase cards, the Freedom and the Freedom Flex

00:53:17.740 | to earn 5x points.

00:53:19.620 | Also, Andrew mentioned that Discover has consistently had 5% back on the last quarter of the year

00:53:25.340 | at Amazon.

00:53:26.500 | So it actually comes to another question I got about Discover cards.

00:53:31.380 | And someone said, "You never talked about Discover cards.

00:53:33.820 | What's the deal?"

00:53:35.340 | And honestly, I've never had a Discover card.

00:53:37.780 | So I don't really have a good answer.

00:53:39.780 | But I often try to prioritize the cards I'm getting with trying to earn the most points

00:53:46.740 | I can.

00:53:47.740 | And I know Discover just doesn't have a flexible points currency.

00:53:51.260 | So for me, it's been something that I've never focused on.

00:53:54.820 | And that question was from Leslie from Massachusetts.

00:53:57.980 | So thanks for asking it by email.

00:54:00.460 | It's never been a thing I had.

00:54:01.580 | So I know that it sounds like from Andrew that they've got good cash back and if cash

00:54:05.220 | back is what you're focused on, it could be an option.

00:54:07.580 | And I just haven't spent a lot of time focused on that.

00:54:10.020 | So sorry, I don't have a better answer.

00:54:12.180 | Actually, it looks like Emmanuel from Card Pointers has something to add.

00:54:15.660 | So let's jump to him.

00:54:16.660 | Can I throw in one thing about Discover real quick?

00:54:19.740 | Yeah.

00:54:20.740 | So as much as it doesn't have a transferable currency, Discover, you can redeem the cash

00:54:26.060 | back that you earn for some gift cards.

00:54:28.420 | And they change that.

00:54:29.980 | But oftentimes, there are bonuses, like you can get a Nike gift card and get 20% or 40%

00:54:34.900 | more value.

00:54:36.020 | So in fact, it's like you're earning 1.2, 1.4X.

00:54:40.020 | And Discover has a rotating category that gives you 5X, which is really good.

00:54:43.380 | Sometimes, I don't know if they still do, but they have a double your cash back in the

00:54:48.020 | first year.

00:54:49.020 | I think that was about 1.5% to get 3% cash back.

00:54:52.380 | So it can be an interesting one.

00:54:53.900 | And that's actually my oldest credit card is a Discover card.

00:54:56.020 | So I've had that one forever.

00:54:58.260 | Awesome.

00:54:59.260 | Thank you.

00:55:00.260 | And to the question earlier about building credit, the reason I'm sure Emmanuel is not

00:55:04.180 | canceling that card ever is because it's one of his oldest cards.

00:55:06.860 | So friendly reminder that if you have an old card that you opened up to start building

00:55:11.340 | credit, if you can get a no-fee version of it, which you can often do by asking to downgrade

00:55:16.500 | or maybe it is a no-fee card, I would try to make sure you put a purchase or two a year

00:55:20.620 | on it just to keep it open to help keeping your credit high.

00:55:23.900 | Another asked, "What are some good free cards that have good benefits like extended warranty?"

00:55:27.780 | And that's a question I'm going to punt on because I want to do a whole episode about

00:55:30.860 | card benefits to address everything from purchase protection to extended warranties, travel

00:55:36.060 | coverage, things like trip cancellation, rental car, and more.

00:55:39.780 | So stay tuned for that one.

00:55:41.420 | Marlon just asked -- he's about to go remodel something and wants to pay cash.

00:55:46.340 | Any good ideas for a remodel card?

00:55:48.620 | I have a hard stop today at 1.30 because we're in the middle of a remodel and I asked if

00:55:53.460 | I could have a break from the demolition from 12 to 1.30 so that I could record this.

00:55:58.900 | And there is not a good answer.

00:56:00.580 | I don't think this will work for remodeling.

00:56:02.340 | But I have found that if you ask services that maybe ask you to not pay with cards to

00:56:07.140 | pay cards, maybe one in three or one in four times, there's an option.

00:56:11.020 | So I ran a little promotional thing for all the hacks in a podcast app called CastBox.

00:56:17.940 | And I just asked them.

00:56:18.940 | They said, "Hey, here's the invoice.

00:56:20.060 | Pay with check or ACH."

00:56:21.060 | And I was like, "Okay, can I pay with a credit card?"

00:56:23.780 | And they're like, "Sure."

00:56:24.780 | But they didn't mention it out in the outset.

00:56:26.100 | So it's always worth asking just to find out if there's an option.

00:56:31.460 | If not, I would say I don't have a good answer other than if there are things that you can

00:56:36.620 | buy.

00:56:37.620 | So just because the contractor might not take card doesn't mean you can't pay for a lot

00:56:42.580 | of the stuff.

00:56:43.620 | So the plumbing fixtures, the vanity, you could ask if there's any stuff you can pay

00:56:47.500 | for directly instead of them.

00:56:49.940 | And if you have to buy that from a plumbing store or anything like that, you could certainly

00:56:53.580 | put that with your cards as well.

00:56:55.580 | So definitely worth doing that.

00:56:57.220 | So Emmanuel shared a hack of people buying $500 gift cards and paying with those.

00:57:01.380 | You could certainly say, "Hey, could I pay you in Amex gift cards or gift cards that

00:57:05.820 | you get at the store?"

00:57:06.820 | Or even ask, "Is there a gift card that you're particularly interested in?"

00:57:09.900 | That might have a similar effect to paying cash to the contractor in that this is not

00:57:14.620 | advice, but it was something told to me when we were Airbnb in our place, someone from

00:57:18.940 | Germany said, "When you pay cash, it's often tax neutral."

00:57:24.240 | And so what I would say is if someone really wants to get paid cash, and you could say,

00:57:30.420 | "Look, I can't pay cash, but I could pay you in gift cards.

00:57:33.380 | Pick any type of gift card and I'm happy to do that."

00:57:35.440 | Maybe you could find a negotiating point there where it feels like cash to the person you're

00:57:40.100 | paying if it's a small project, but you're able to put those cards on your credit card.

00:57:44.340 | I think that's everything.

00:57:46.580 | Thank you so much for everyone being here.

00:57:48.300 | I'm going to talk a little bit about this giveaway.

00:57:50.340 | I'll mention it in the episode also.

00:57:52.580 | But I've got three things to be thankful for this giveaway.

00:57:56.500 | One, early on, I used my referral link and some people signed up for the VentureX card.

00:58:00.900 | So I'm going to give away 10,000 of those Capital One points to people listening right

00:58:05.500 | now and in the future.

00:58:07.420 | I'm going to thankfully be able to, from a manual support, give away a lifetime membership

00:58:14.580 | to Card Pointers Pro, which is just really generous and I appreciate him doing that.

00:58:20.300 | It's a great app.

00:58:21.580 | If you aren't the one who wins it, I still think you should check it out.

00:58:24.860 | There's a trial if you want to check it out and see how it works.

00:58:28.500 | And if you go to allthehacks.com/cardpointers, you can actually also get what I think is

00:58:34.700 | the biggest discount there's ever been to get 20% off Pro, whether you want to do it

00:58:38.980 | monthly or a lifetime membership.

00:58:41.420 | So there's that.

00:58:43.220 | And then another really big thank you to Viori.

00:58:46.020 | I literally wear Viori every day.

00:58:47.620 | This is not like the sponsors paid me.

00:58:49.500 | In fact, all the Viori clothes I have, I actually paid for myself.

00:58:52.900 | But I reached out to them and said, "Hey, we're doing this live episode."

00:58:57.020 | And they offered to give $100 gift card to Viori to someone.

00:59:00.540 | So huge thanks to them.

00:59:02.380 | If you haven't checked out their clothes and you don't win allthehacks.com/viori, which

00:59:07.340 | is not spelled like it's pronounced, it's V-U-O-R-I.

00:59:11.660 | So allthehacks.com/viori, V-U-O-R-I.

00:59:16.260 | And I think they're literally the most comfortable clothes.

00:59:18.940 | I just wear black t-shirts and gray t-shirts that happen to be there.

00:59:21.740 | So it's probably not obvious to you that they're comfortable, nor are the joggers I'm always

00:59:26.540 | wearing.

00:59:27.540 | But definitely check them out.

00:59:28.780 | And thank you so much to Viori for offering that this episode.

00:59:33.580 | I think that's all.

00:59:34.580 | The way I'm going to do the giveaway, if you go to allthehacks.com/giveaway, there's a

00:59:39.140 | quick form, it's four questions.

00:59:41.860 | It's "Which things do you want to enter in?"

00:59:43.700 | The Card Pointers Pro membership, the Viori gift card, and the 10,000 Capital One miles.

00:59:48.220 | The reason I had it set up like that is because Capital One will let you transfer miles to

00:59:52.100 | people but only people who have a Capital One account.

00:59:54.860 | So for the sake of the people who do, I want to make sure that whoever wins can actually

00:59:58.420 | use them.

00:59:59.420 | And many of you probably already have a Card Pointers Pro membership.

01:00:02.300 | So maybe that's not the right one.

01:00:04.220 | I need your email.

01:00:05.420 | And then I'm actually doing something different.

01:00:06.740 | I'm going to do a drawing and the drawing is going to pull from everyone, but you're

01:00:12.700 | going to get multiple entries for different things.

01:00:15.700 | So if you subscribe to the newsletter, if you subscribe to the podcast, if you follow

01:00:19.700 | me on Twitter or Instagram, if you write a review for the show on Apple Podcasts, and

01:00:26.180 | if you attended this, each one of those is going to count for an entry.

01:00:30.340 | And then I just have like a fun "Please certify that you actually did these things."

01:00:34.100 | I might check before we give things away, but it helps me grow the show and I really

01:00:38.580 | appreciate it.

01:00:39.580 | The one last thing I want to share is that there is an awesome deal happening right now.

01:00:43.340 | This week is Rakuten's Big Give Week and it ends May 16th.

01:00:47.340 | So why do you care?

01:00:48.340 | Well, first off, if you don't have an account already, you get $40 for free in your account

01:00:53.380 | after you join from a referral and spend $40.

01:00:56.660 | So if you want to use mine, it's allthehacks.com/rakuten or click the link in the show notes.

01:01:02.260 | But more importantly, they are offering 15% cash back at hundreds of merchants.

01:01:08.060 | From Ace Hardware, to Under Armour, to Walgreens, to Dick's Sporting Goods, and so many more.

01:01:14.940 | And best of all, you can choose to earn Amex points instead of cash back, which I think

01:01:19.860 | makes this deal twice as valuable.

01:01:22.420 | So definitely check it out.

01:01:23.820 | All right, that's it for this live episode of All The Hacks.

01:01:26.660 | I would love to hear what you thought, so please shoot me a DM or email and share.

01:01:31.620 | Again, thank you so much for all your support over the past year.

01:01:36.140 | Please don't forget to enter the giveaway for a chance to win $10,000 Capital One Miles,

01:01:40.300 | a $100 Viore gift card, or a free lifetime membership to Card Pointers.

01:01:45.160 | And I'll see you next week.

01:01:48.200 | I really hope you enjoyed this episode.

01:01:49.860 | Thank you so much for listening.

01:01:51.860 | If you haven't already left a rating and a review for the show in Apple Podcasts or Spotify,

01:01:56.700 | I would really appreciate it.

01:01:58.060 | And if you have any feedback on the show, questions for me, or just want to say hi,

01:02:02.100 | I'm Chris@AllTheHacks.com or @Hutchins on Twitter.

01:02:06.700 | That's it for this week.

01:02:07.700 | I'll see you next week.

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